SBA lender · 7(a) program
22nd State Bank, A Division of 22nd State Banking Company
22nd State Bank, A Division of 22nd State Banking Company has approved 340 SBA loans worth $387.3M since FY2010 - the #243 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#243
0.08% of all SBA dollars
Total approved
$387.3M
FY2010 onward
Loans
340
Median loan
$797,000
+343% vs national
Median rate
8.75%
+2.00 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What 22nd State Bank, A Division of 22nd State Banking Company’s numbers say
22nd State Bank, A Division of 22nd State Banking Company sits in the long tail of the SBA lending field, having approved 340 loans for a gross total of $387.3M since fiscal 2010. Its median loan of $797,000 is substantially larger than the $180,000 national median, which usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 8.75%, 2.00 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 20% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where 22nd State Bank, A Division of 22nd State Banking Company lends
| State | Loans | Share |
|---|---|---|
| Florida | 54 | |
| California | 26 | |
| Texas | 24 | |
| Alabama | 19 | |
| Georgia | 17 | |
| North Carolina | 15 | |
| New Jersey | 15 | |
| Colorado | 15 |
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about 22nd State Bank, A Division of 22nd State Banking Company
- How many SBA loans has 22nd State Bank, A Division of 22nd State Banking Company approved?
- 22nd State Bank, A Division of 22nd State Banking Company has approved 340 SBA loans totalling $387,307,800 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #243 among all SBA lenders by dollars approved.
- What is the typical 22nd State Bank, A Division of 22nd State Banking Company SBA loan size?
- The median gross approval is $797,000, with the middle 80% of loans falling between $281,000 and $2,677,000. The national median across all SBA lenders is $180,000.
- What interest rate does 22nd State Bank, A Division of 22nd State Banking Company charge on SBA 7(a) loans?
- The median initial note rate on 22nd State Bank, A Division of 22nd State Banking Company's 7(a) approvals is 8.75%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
Where to go from here
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